Hi fudge
This will be tricky, as you have no income or assets to offer to creditors. It may be possible to persuade your creditors to accept ongoing payments from your husband, but I think they would view this as risky. How much do you think you could both afford to pay each month?
Bankruptcy may be a better option, as you have very little equity in your property which would be covered by "low value" rulings - ie not worth pursuing. You could also try a Debt Management Programme but, given the level of your debts, this would take some time to pay off.
Do you intend on going back to work when the little one is older? If so, what is your earning potential there? It could be that a DMP for a couple of years, followed by an IVA when you are earning again, might be a sensible solution.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
View my IVA blog at:
http://melaniegiles.blogs.iva.co.uk